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    Omnichannel Action Plan for Global Digital Brands

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payment-methods-index

Payment Methods

Attract more customers and increase your conversion
rates by enabling a wider range of payment options.

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Let your customers pay any way, any time

With Carat, you can offer your customers an option to pay their preferred way. Offering more payment options can:

  • Increase customer satisfaction
  • Improve conversion rates
  • Lower cart abandonment rate

Provide your customers with a familiar purchasing experience in the markets that matter to your business.

 
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Provide access to the world’s most popular payment wallets. Easy to use, contactless checkout experiences.

 
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Save on fees and reduce risk by allowing your customers to pay with their bank accounts. The demand for this fast, easy and low cost payment method is higher than ever.

 
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Place your brand directly into the consumer’s wallet; Drive customer acquisition, retention, and loyalty.

 
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Increase purchasing power and average order size. Your customers can now choose to pay over time either online or in-store.

 

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Make payments safer and more interactive using touchless QR codes. From curbside pickup to scan & go and more.

 
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Enable the millions of people who rely on government assistance programs to make digital purchases how, when and where they want.

 

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Grow revenue in markets that matter to you

Tap into a network of secure, accessible local payment methods to help grow your business. We offer the top local payment methods in the markets that matter to your business.

Grow-revenue-in-markets

Map is an illustrative example of the top payment methods in select countries,
not representative of all the local payment methods available through Carat.

Offer the most popular global digital wallets

Instantly checkout through a click, tap, wave or even the sound of your voice. Create better experiences by offering more choices.

Touchless-transactions by Apple Pay, Google Pay, Amazon Pay, Venmo or Samsung Pay

Amazon Partnership

Amazon, ExxonMobil and Carat partnered to build and rollout voice-enabled payment options at 11,500+ Exxon and Mobil locations.

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Google Partnership

Google and Carat partnered to build a custom pay at the pump experience, showcasing the power of omnichannel commerce capabilities to new and existing payment channels. 

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Add easy and secure Pay by Bank

With the popularity of digital wallets, customers are paying directly with their bank accounts at higher rates than ever before. We enable easy bank log-in and secure omnichannel experiences.

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Save on fees

Reduce your processing cost per transaction and save costs, even if customer perks are added.

Reduce risk

Enjoy peace of mind as Pay by Bank can drive higher approval rates and eliminate chargebacks.

Drive loyalty

Use your cost savings to offer more perks to your customers, driving frequency and average ticket size.

Increase loyalty through gift and stored-value payments

Engage customers, turn browsing into buying. Offering and accepting gift cards encourages customer loyalty and adds value to your business.

More than a gift
More than a gift

We place your brand directly into the consumer’s wallet, increasing brand awareness and ensuring you are with them when they are looking to buy.

Enable seamless customer experiences
Enable seamless customer experiences

Whether you want to reach customers across town or across the globe, we can help you sell and accept digital and physical gift cards in-store, online, or in-app to create seamless customer shopping experiences.

Drive customer loyalty
Drive customer loyalty

Acquire, retain, and motivate customers to buy from your brand while you collect a wealth of consumer information and data.

Protect your business (and your customers)
Protect your business (and your customers)

Multi-layered security features are integrated into our transaction processing systems to help keep your information and data safe.

Drive sales and conversion rates with Buy Now, Pay Later

Attract more customers and grow your business with Pay Later options through Carat.

Minimal tech lift. Multiple partner options. Easy to use.

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Woman holding bags

Enable convenient, touchless payment experiences with QR codes

Remove the need to handle cash or cards through secure, convenient QR codes. Protect both your employees and customers across a range of experiences such as curbside pickup, scan & go, order ahead, and more.

QR Scan View
QR-scan-view
Payment Approval View
Payment Approval View
Payment Confirmed View
Payment Confirmed View

Extend digital checkouts to all consumers

Millions of American households rely on government assistance programs to purchase food and everyday items. Contribute to the greater good by enabling Online EBT to increase their payment choice and convenience.

Shop owner holding produce crate

SNAP Program

Accept supplemental benefits through digital channels for groceries.

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Bicycle messenger delivering food

Cash Program

Accept welfare benefits through digital channels for general purchases.

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Delivering Commerce Results

  • Pay by Bank
  • Gift Solutions
  • Buy Now, Pay Later
 

50%

Cost savings per transaction


We partnered with a petro convenience chain to deploy Pay by Bank and integrate loyalty perks for their customers. Their Pay by Bank users drove cost savings, with twice as many high frequency users and 30% higher average ticket.

 

Source: Carat and client-provided data

 

15%

Increase in reward membership activations


We supported a major coffee chain to leverage gift solutions with unique rewards and they drove higher loyalty and engagement from their customers.

 

Source: Carat and client-provided data

 

20%

Repeat rate from new BNPL customers


We partnered with industry leading Buy Now, Pay Later providers to help our customers drive more sales with flexible payment options.

 

Source: Affirm, Carat BNPL Partner

Tell Us Your Vision. We Can Build a Solution.

We will work with you to understand your business needs and show you how to best leverage our solutions to make your vision a reality.

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